Florida Golf Cart & LSV Insurance You Can Depend On
Protect Your Ride. Protect Your Peace of Mind
Your golf cart is more than a convenience—it's a valuable asset you use around the neighborhood, on the golf course, within gated communities, or at your business. Without the right insurance, a single accident or liability claim could cost you far more than the price of coverage. At The Ritz Agency in Ocala, FL , we specialize in Golf Cart Insurance designed to shield you from unexpected risks while keeping your budget in mind. Based in Ocala, we insure golf carts and street-legal low-speed vehicles (LSVs) anywhere in Florida, from The Villages to the Gulf Coast.
We are extremely satisfied with the quality of service we received from Jay and Alisha. They worked very hard to find the best Auto and Homeowners insurance. Saved us a bundle.
Great agency that really cares about giving its clients the best value and coverage. Takes the time to explain your coverage and how it works. Great follow up and personalized service. Recommend to anyone.
The Ritz Agency (Allstate) has been wonderful to work with. Had to make a claim, and it was painless! They make every effort to help me with everything I need. Thanks Ritz Agency!
Why You Need Golf Cart Insurance
Golf carts are increasingly used beyond the course—for transportation, recreation, and business operations. Accidents, property damage, injuries, and theft happen more often than most owners expect. Standard homeowners or auto policies typically don’t provide full protection.
With our customized Golf Cart Insurance, you get:
Protection from accidents and collision damage.
Coverage for injuries or liability claims
Replacement for theft or vandalism
Peace of mind while driving on the course, in your community, or on public roads (where allowed)
Get Your Golf Cart Insurance Today
Contact The Ritz Agency today to get a free quote, compare coverage options, and find the perfect policy for you.
Comprehensive Golf Cart Insurance Coverage Options
At The Ritz Agency, we tailor your policy to match your lifestyle and usage. Choose from a wide range of coverage options such as:
Liability Protection
Covers bodily injury and property damage if you’re at fault.
Collision Coverage
Covers the cost of repairs if your golf cart is damaged in a collision.
Comprehensive Coverage
Protects against theft, fire, vandalism, weather events, and more.
Uninsured/Underinsured Motorist Coverage
Keeps you protected even if the other driver does not have insurance.
Medical Payments Coverage
Pays for medical expenses for you and your passengers following an accident.
Accessory Coverage
Perfect for customized golf carts with added seats, lighting, or upgraded equipment.
Enjoy Every Ride with Complete Confidence
Accidents and unexpected events can happen anytime. With The Ritz Agency, your golf cart is protected—on the course, in your neighborhood, or wherever life takes you.
Protect your car, your family, and your future—quickly, easily, and confidently.
Testimonials
Why Choose The Ritz Agency in Ocala, FL for Golf Cart Insurance?
We pride ourselves on being more than just an insurance provider. We are your long-term partner in protection:
Personalized Coverage - No two golf cart owners are the same. We customize every policy to fit your needs precisely.
Affordable Rates - We shop multiple carriers to find the best coverage at the best price.
Fast & Easy Claims Support - Accidents are stressful—filing a claim shouldn’t be. Our experts guide you every step of the way.
Local Expertise & Guidance - We understand your lifestyle and the risks unique to your community.
Trusted by Families & Businesses - Thousands rely on The Ritz Agency for powerful protection and top-tier service.
Protect Your Golf Cart
with The Ritz Agency Today
Your golf cart deserves the same level of protection as your car. Trust The Ritz Agency to deliver the best coverage, the best value, and the best service.
Frequently Asked Questions
Do I really need golf cart insurance?
Yes. Most homeowners policies offer limited protection. Dedicated coverage ensures you’re protected from liability, collision, theft, and more.
How much does golf cart insurance cost?
Rates vary based on usage, location, and customizations. The Ritz Agency provides competitive pricing tailored to your needs.
Can I insure a customized or street-legal golf cart?
Absolutely. We offer coverage for modified, upgraded, and street-legal carts.
Will my policy cover passengers?
Yes—medical payments and liability coverage help protect you and your riders.
Do I need insurance on a golf cart in Florida?
Florida does not require PIP or property damage liability on a regular golf cart, because golf carts used under Florida's golf cart laws are not titled or registered. Your community, HOA or lender may still require coverage, and without it you could be personally responsible if your cart injures someone or damages property.
What is the difference between a golf cart and an LSV?
Under Florida law, a golf cart cannot go faster than 20 mph. A low-speed vehicle (LSV) is a four-wheeled vehicle with a top speed over 20 mph but no more than 25 mph, and it must have safety equipment such as headlamps, turn signals, a windshield, seat belts and a VIN.
What insurance does Florida require for an LSV?
An LSV must be titled, registered and insured with at least $10,000 in Personal Injury Protection (PIP) and $10,000 in Property Damage Liability (PDL), and the driver needs a valid driver license. LSVs may be driven only on streets with a posted speed limit of 35 mph or less.
Who can drive a golf cart on Florida roads?
Since October 1, 2023, drivers under 18 need a learner's license or driver license to operate a golf cart on public roads, and drivers 18 or older need a government-issued photo ID. Golf carts may only use roads a city or county has designated for them, and only between sunrise and sunset unless local rules allow night use and the cart has headlights, brake lights, turn signals and a windshield.
Can I convert my golf cart into a street-legal LSV?
Yes. Before it can be titled and registered, a converted golf cart must be street-legal, inspected and assigned a VIN at an FLHSMV regional office. You will need the builder and conversion forms, receipts for the parts, a certified weight slip and proof of PIP and PDL coverage.
Do you insure golf carts outside Ocala?
Yes. We insure golf carts and LSVs anywhere in Florida. If you drive in The Villages, see our page on golf cart insurance in The Villages, FL.
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